Stop Harrassing Collectors

Professional Credit Repair - You don’t have to take harassing calls.

The (FDCPA) Fair Debt Collection Practicing Act is the federal law that says what debt collectors can and can't do. For starters, they aren't to call you about a debt that you don't owe and they can’t harass and call repeatedly about a debt that you do owe. When a debt collector first contacts you about a debt, you have the right to request them to verify the debt is yours. If the debt collector can't come back with proof that you owe the debt, they're not allowed to contact you. Within five days of its first communication to you, the debt collector is responsible for sending you a debt validation notice. This notice should be in writing letter letting you know you have the right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication.

So, if the debt collector’s first communication with you is by phone, you should receive a debt validation letter from them within five days. If the first communication is by letter, that letter might already include the debt validation notice; otherwise, you should soon get another letter including the notice.

If you don’t dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30 day period, the collector can continue attempts to collect the debt from you until it receives your validation request.

Even without sending a validation request, debt collectors have certain rules they must follow when it comes to contacting you over the phone. For example, they can't call you before 8 a.m. or after 9 p.m. your local time. They can't call you repeatedly, and they can't call you at any time you've previously stated is inconvenient.

When Can Debt Collectors Call

Debt collectors seem to call at the most inconvenient times, don't they? Actually, anytime someone calls asking for money it is an inconvenience. There's nothing pleasant about being pressed to pay a bill, especially when you can't afford it.

The Fair Debt Collections Protections Act (FDCPA) sets guidelines for when debt collectors can call:

1. They can call between 8am and 9pm, your local time
2. They can call you at work if they do not know your employer disapproves
3. They can call you once more after receiving a cease and desist letter

What about weekends and holidays? Fortunately, many businesses, including collection agencies, are closed on weekends and holidays. Although the FDCPA doesn't specifically state which days of the week collectors can and cannot call, it does state that collectors cannot communicate with you during times "which should be known to be inconvenient."

If a collector calls at a bad time, simply say, "This is not a convenient time" and let them know.

Stop Debt Collection Calls

There's no law that says you have to communicate with a debt collector by phone. If you hang up on a debt collector there is nothing they can do about it. But, if the collector continues to call you repeatedly even after you have hung up on them, they are in violation of the FDCPA.

Griffin Credit can stop harassment and give you peace of mind. Many people argue with them over the phone, they fear the collection companies calling and it wears on them emotionally. Stop the insanity and allow Griffin Credit to stop the phone calls for good. We will ensure they follow the FDCPA to the letter of the law and ensure you won’t be bothered by them again. If the debt collector violates the FDCPA, you have hard evidence that could lead to a lawsuit in your favor. Keep in mind that, by law, the debt collector does not have to honor this request.

The cost for stopping collections companies from calling and harassing you is $85 per collection company.

Stop Collection Calls for Good.